Prokuroria e Tiran\u00ebs po b\u00ebhet gati ti kaloj\u00eb SPAK-ut dosjen e radh\u00ebs p\u00ebr mashtrimin me mikrokredit\u00eb q\u00eb shkaktoi d\u00ebme t\u00eb pallogaritshme tek interesat ekonomike t\u00eb mij\u00ebra shtetasve shqiptar\u00eb.<\/p>\n
\u00c7\u00ebshtja me 9 t\u00eb dyshuar dhe dy shoq\u00ebri n\u00ebn sekuestro \u00ebsht\u00eb vendosur t\u2019i\u00a0 kaloj\u00eb Prokuroris\u00eb s\u00eb Posa\u00e7me, pasi prokuror\u00ebt dyshojn\u00eb se jan\u00eb p\u00ebrpara nj\u00eb grupi kriminal.<\/p>\n
Pik\u00ebrisht p\u00ebr k\u00ebt\u00eb dyshimeve se subjekte financiare dhe p\u00ebrmbaruesit e tyre kan\u00eb vepruar n\u00eb kuad\u00ebr t\u00eb grupit kriminal duke u shtrir\u00eb n\u00eb koh\u00eb dhe me role t\u00eb ndara, grupi I hetimit po vler\u00ebson se kompetencat p\u00ebr shkak t\u00eb k\u00ebtyre cil\u00ebsive i p\u00ebrkasin Prokuror\u00ebve t\u00eb Posa\u00e7\u00ebm.<\/p>\n
Nga aktet e administruara nga prokuroria e Tiran\u00eb rezulton se shoq\u00ebrit\u00eb n\u00ebn hetim mor\u00ebn nga banka gati 4 mij\u00eb kredi t\u00eb konsideruara t\u00eb k\u00ebqija dhe t\u00eb pashlyera nd\u00ebr vite. Vlera totale e tyre \u00ebsht\u00eb gati 7 milion\u00eb euro dhe p\u00ebr shlyerjen e tyre prokuroria e Tiran\u00eb zbuloi se u p\u00ebrdor nj\u00eb skem\u00eb shtr\u00ebnguese e kredimarrjes ku p\u00ebrmes vjedhjes debitor\u00ebt u detyruan t\u2019i shlyenin borxhet e veta me borxhe t\u00eb reja. Prokuroria e Tiran\u00ebs zbuloi se p\u00ebrmes k\u00ebsaj skeme shoq\u00ebri t\u00eb ndryshme p\u00ebrmbarimore\u00a0 vepruan duke bllokuar\u00a0 pasurit\u00eb q\u00eb prokuror\u00ebt e konsiderojn\u00eb se \u00ebsht\u00eb vjedhje pasurie<\/p>\n
N\u00eb hetimin e kryer mbas masave gjyq\u00ebsore, prokuror\u00ebt kan\u00eb zbuluar se si qindra ankande mbi pasurit\u00eb e bllokuara, u kryen fiktivisht dhe pa njoftuar qytetarin. Vet\u00ebm n\u00eb nj\u00eb dit\u00eb hetimet konstatojn\u00eb se u kryen 75 ankande t\u00eb tilla.<\/p>\n
N\u00eb aktet hetimore t\u00eb administruara jan\u00eb evidentuar rastet konkrete p\u00ebr fenomenin e vendosjes s\u00eb sekuestrove konservative mbi pasurit\u00eb e paluajtshme q\u00eb jan\u00eb shtrir\u00eb dhe ndaj personave q\u00eb nuk kan\u00eb lidhje fare me ekzekutimin e vendimeve gjyq\u00ebsore.<\/p>\n
Rast tipik i k\u00ebsaj natyre \u00ebsht\u00eb \u00e7\u00ebshtja\/dosja p\u00ebrmbarimore ku p\u00ebr nj\u00eb detyrim t\u00eb prapambetur prej 347.958 lek\u00ebsh, Micro Credit Albania ka sekuestruar 14 pasuri t\u00eb paluajtshme t\u00eb nj\u00eb shtetasi.<\/p>\n
Hetimi i kryer nga Prokuroria e Tiran\u00ebs vler\u00ebson se p\u00ebrgjegj\u00ebsit\u00eb mund t\u00eb shtrihen deri te Banka e Shqip\u00ebris\u00eb dhe guvernatori i saj, Gent Sejko.<\/p>\n
P\u00ebrmes nj\u00eb vendimi t\u00eb 17 prillit, Prokuroria e Tiran\u00ebs shpalli moskompetenc\u00ebn dhe i k\u00ebrkoi Prokuroris\u00eb s\u00eb Posa\u00e7me, SPAK, q\u00eb t\u00eb kryente hetime t\u00eb m\u00ebtejshme ndaj guvernatorit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr vepr\u00ebn e \u201cshp\u00ebrdorimit t\u00eb detyr\u00ebs\u201d dhe shoq\u00ebris\u00eb MCA veprat e mashtrimit, fshehjes s\u00eb t\u00eb ardhurave dhe pastrimit t\u00eb produkteve t\u00eb vepr\u00ebs penale.<\/p>\n
\u201cVeprimtaria e MCA shpk rezulton q\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme ka penalizuar interesat e ligjshme t\u00eb individ\u00ebve kredimarr\u00ebs, e cila ka qen\u00eb n\u00eb bashk\u00ebpunim me p\u00ebrmbaruesit gjyq\u00ebsor\u00eb si dhe lindin dyshime se mund t\u00eb ket\u00eb pasur bashk\u00ebpunim edhe me punonj\u00ebs t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb,\u201d\u00a0 thuhet n\u00eb vendim e shpalljes s\u00eb moskompetenc\u00ebs.<\/p>\n
Micro Credit Albania u themelua n\u00eb maj t\u00eb vitit 2014 nga ortakja e vetme, Elda Ibro, nj\u00eb kontabiliste n\u00eb profesion, dhe u licensua m\u00eb pas nga Banka e Shqip\u00ebris\u00eb p\u00ebr kryerjen e aktivitetit t\u00eb mikrokredis\u00eb. MCA operoi m\u00eb pas edhe n\u00eb tregun e blerjes dhe ekzekutimit t\u00eb kredive me probleme nga institucione t\u00eb tjera bankare dhe jobankare.<\/p>\n
Pas ankesave t\u00eb shumta t\u00eb qytetar\u00ebve, Departamenti i Mbik\u00ebqyrjes n\u00eb Bank\u00ebn e Shqip\u00ebris\u00eb nisi n\u00eb korrik t\u00eb vitit 2020 nj\u00eb ekzaminim tematik p\u00ebr shoq\u00ebrin\u00eb MCA, ku t\u00eb kat\u00ebr element\u00ebt e vler\u00ebsimit dol\u00ebn n\u00eb nivelin m\u00eb t\u00eb lart\u00eb t\u00eb rrezikshm\u00ebris\u00eb t\u00eb klasifikuar n\u00eb kategorin\u00eb 4.<\/p>\n
Sipas raportit t\u00eb Departamentit t\u00eb Mbik\u00ebqyrjes, subjekti MCA operonte n\u00eb bashk\u00ebpunim me shoq\u00ebrin\u00eb e licensuar n\u00eb fush\u00ebn e kredis\u00eb, Final, zyr\u00ebn ligjore ADCA dhe sh\u00ebrbimet p\u00ebrmbarimore ZIG, Flash dhe Star.<\/p>\n
Grupi i inspektor\u00ebve gjeti gjithashtu se n\u00eb 5 vite t\u00eb operimit, MCA nuk kishte depozituar asnj\u00ebher\u00eb pasqyra financiare t\u00eb audituara, nd\u00ebrsa dy shoq\u00ebri auditimi nd\u00ebrkomb\u00ebtare kishin refuzuar t\u00eb jepnin opinion. Deri n\u00eb korrik t\u00eb vitit 2020, MCA kishte bler\u00eb 85 milion\u00eb euro kredi t\u00eb pashlyera nga dhjet\u00eb institucione t\u00eb ndryshme banka dhe jo banka, duke paguar vet\u00ebm 2-3% t\u00eb vler\u00ebs s\u00eb tyre dhe m\u00eb pas kosto e blerjes \u00ebsht\u00eb rritur n\u00eb 10 dhe 20% vitet n\u00eb vijim.<\/p>\n
Sipas raportit, MCA kishte paguar rreth 5.2 milion\u00eb euro p\u00ebr portofolin e kredive prej 85 milion\u00eb euro dhe kishte rikuperuar nga kredimarr\u00ebsit rreth 10.7 milion\u00eb euro, duke siguruar nj\u00eb fitim operativ dy her\u00eb m\u00eb t\u00eb lart\u00eb.<\/p>\n
Grupi i inspektor\u00ebve gjeti gjithashtu se MCA ndoqi nj\u00eb strategji t\u00eb mbledhjes s\u00eb plot\u00eb t\u00eb detyrimeve, pa ofruar zbritje, nd\u00ebrsa vendosi p\u00ebr paketat e ristrukturimit t\u00eb kredive t\u00eb k\u00ebqija \u00ab\u00a0norma penaliteti shum\u00eb t\u00eb larta 2% n\u00eb dit\u00eb ose 730% n\u00eb vit\u00bb.<\/p>\n
Hetimet e kryera nga Prokuroria e Tiran\u00ebs dhe nj\u00eb hetim administrativ i Ministris\u00eb s\u00eb Drejt\u00ebsis\u00eb hedhin edhe m\u00eb tej drit\u00eb mbi natyr\u00ebn e biznesit q\u00eb ndiqte MCA, p\u00ebrmes shtr\u00ebngimit t\u00eb kushteve p\u00ebr t\u00eb dh\u00ebn\u00eb kredi. Pasi blinte kredit\u00eb e k\u00ebqija deri n\u00eb 10% t\u00eb vler\u00ebs s\u00eb tyre, MCA k\u00ebrkonte kthimin n\u00eb mas\u00ebn 100%, duke vendosur edhe penalitete, kamata dhe tarifa p\u00ebrmbarimore. T\u00eb gjendur ngusht\u00eb, kreditor\u00ebve q\u00eb u ishin bllokuar pronat, detyroheshin t\u00eb firmosnin kontrata kredie me norma interesi deri n\u00eb 25%.<\/p>\n
M\u00eb 29 dhjetor 2022, guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko vendosi t\u00eb pezulloj\u00eb licens\u00ebn e subjektit financiar jo-bank\u00eb \u2018Micro Credit Albania\u2019 p\u00ebr kredidh\u00ebnien, por i lejoi asaj q\u00eb t\u00eb vazhdonte aktivitetin e mbledhjes s\u00eb detyrimeve p\u00ebr portofolet e kredive t\u00eb blera.<\/p>\n
Megjithat\u00eb, Prokuroria e Tiran\u00ebs vler\u00ebson se ky vendim ishte jo vet\u00ebm i vonuar, por edhe pap\u00ebrshtatsh\u00ebm n\u00eb raport me shkeljet e konstatuara.<\/p>\n
Hetimi ngre gjithashtu dyshime se masa e pezullimit u parapri nga nj\u00eb korrespondenc\u00eb mes shoq\u00ebris\u00eb MCA dhe Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. M\u00eb 14 dhjetor 2022, ortaku i subjektit Micro Credit Albania i \u00ebsht\u00eb drejtuar Guvernatorit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb me nj\u00eb mesazh elektronik, ku parashtrohen p\u00ebrpjekjet e kryera p\u00ebr realizimin e rekomandimeve, si dhe k\u00ebrkohet q\u00eb t\u00eb merren n\u00eb konsiderat\u00eb masa alternative, t\u00eb tilla q\u00eb t\u00eb mos bllokojn\u00eb t\u00ebr\u00ebsisht aktivitetin e subjektit.<\/p>\n
\u201cMasa e marr\u00eb nuk \u00ebsht\u00eb n\u00eb raport me shkeljet e konstatura nga vet\u00eb specialist\u00ebt e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe shkeljet e kryera n\u00eb m\u00ebnyr\u00eb t\u00eb p\u00ebrs\u00ebritur jan\u00eb t\u00eb nj\u00eb karakteri tep\u00ebr t\u00eb r\u00ebnd\u00eb. Vazhdim\u00ebsia e aktivitetit t\u00eb k\u00ebtij institucioni financiar me problematika dhe shkelje t\u00eb p\u00ebrs\u00ebritura \u00ebsht\u00eb me pasoja tep\u00ebr t\u00eb m\u00ebdha financiare n\u00eb d\u00ebm t\u00eb qytetar\u00ebve,\u201c thuhet n\u00eb vendimin e Prokuroris\u00eb s\u00eb Tiran\u00ebs.<\/p>\n
Prokuroria vler\u00ebson gjithashtu se edhe pse ishte e njohur prej dy vitesh me problematikat e shkaktuara nga MCA, Banka e Shqip\u00ebris\u00eb nuk kishte marr\u00eb m\u00eb par\u00eb asnj\u00eb hap konkret p\u00ebr t\u00eb frenuar dhe monitoruar blerjen e kredive tek subjektet e tjera.<\/p>\n
Bazuar mbi k\u00ebto t\u00eb dh\u00ebna, Prokuroria e Tiran\u00ebs vler\u00ebsoi se rezulton e nevojshme \u201ct\u00eb hetohen zyrtar\u00eb t\u00eb lart\u00eb si guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr vepr\u00ebn penale shp\u00ebrdorimi i detyr\u00ebs\u201c, kompetenc\u00eb kjo e Prokuroris\u00eb s\u00eb Posa\u00e7me kund\u00ebr Korrupsionit dhe Krimit t\u00eb Organizuar.<\/p>\n
P\u00ebr shoq\u00ebrin\u00eb MCA me administratore Elda Ibro, Prokuroria vler\u00ebson se nevojiten hetime p\u00ebr veprat penale t\u00eb mashtrimit, fshehjes s\u00eb t\u00eb ardhurave dhe pastrimit t\u00eb produkteve t\u00eb vepr\u00ebs penale, t\u00eb dyshuara k\u00ebto si t\u00eb kryera n\u00eb kuad\u00ebr t\u00eb grupit t\u00eb strukturuar kriminal.<\/p>\n
gijotina.com\/<\/strong><\/p>\n The post \u201cMikrokredit\u00eb\u201d shkojn\u00eb n\u00eb SPAK! K\u00ebrkohet t\u00eb merret n\u00ebn hetim Guvernatori i BSH, Gent Sejko<\/a> appeared first on GIJOTINA<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Prokuroria e Tiran\u00ebs po b\u00ebhet gati ti kaloj\u00eb SPAK-ut dosjen e radh\u00ebs p\u00ebr mashtrimin me mikrokredit\u00eb q\u00eb shkaktoi d\u00ebme t\u00eb pallogaritshme tek interesat ekonomike t\u00eb mij\u00ebra shtetasve shqiptar\u00eb. \u00c7\u00ebshtja me 9 t\u00eb dyshuar dhe dy shoq\u00ebri n\u00ebn sekuestro \u00ebsht\u00eb vendosur t\u2019i\u00a0 kaloj\u00eb Prokuroris\u00eb s\u00eb Posa\u00e7me, pasi prokuror\u00ebt dyshojn\u00eb se jan\u00eb p\u00ebrpara nj\u00eb grupi kriminal. Pik\u00ebrisht […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2745","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/2745","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=2745"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/2745\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=2745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=2745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=2745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}